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Free the first year (1)
And also from the second year subject to conditions.(2)
Ideal for extra expenses
As you will pay the same every month.
Maximum flexibility for payment
Choose the installment that best suits you when you sign up for the card and change it when you need to. (3)
The Unidúo Mastercard allows you the flexibility to pay for your purchases as you wish. In the event of an unforeseen event or if you want to treat yourself, you have the option to pay however suits you.
And transparent, since Unicaja Banco provides you with a detailed statement of all the transactions carried out with the card.
To sign up for the Unidúo Mastercard Credit Card, you can go to any Unicaja Banco branch, where we will be delighted to help you.
If you prefer, you can also apply for the Unidúo Mastercard Credit Card by filling out an application form and indicating the branch where you'd like to process it. We will contact you shortly.
Maintenance fee: €39 per year. You do not pay this fee if you are a holder of another Mastercard Debit, Mastercard Credit, Visa Electron or Visa Credit card. Or if you make more than €3,600 worth of purchases and/or mobile top-ups in a year (an average of €300 per month). Cancelled operations and returns do not count. Or if you are the holder of the Fee-Free Plan and you meet the established requirements.
Fee for cash withdrawals using your credit card:
4.00% (minimum €3.50), for withdrawals from the ATMs of Unicaja Banco, S.A.
4.00% (minimum €3.50) plus 100% of what the owner of the ATM charges Unicaja for that withdrawal. In other words, you will be charged a fee of 4.00% (minimum €3.50) of the amount withdrawn and we will also pass on the amount that the bank that owns the ATM you are using to withdraw money charges us for using their ATM in other banks in Spain (not Unicaja Banco), the Euro Area, Sweden and Romania.
5.00% (minimum €5.00) in other countries. In other words, you will be charged a fee of 5.00% (with a minimum of €5.00) of the amount withdrawn in banks that are not in the Euro Area or in Sweden or Romania.
Fee for transactions in currencies other than the euro: 3%This fee will be applied to the amount resulting from the equivalent in euros of all the transactions in foreign currencies (purchases and cash withdrawals) performed with the card in accordance with the exchange rate obtained by the Payment Systems on the date of the corresponding settlement
In deferred payment mode the transactions (purchases, cash withdrawals, etc.) made using the card will be added up and you can repay a fixed amount of the credit drawn, which will be settled and paid on a monthly basis every 1st of the calendar month until the full payment of the total of the transactions performed in this payment has been made. The drawn balance will be charged an annual nominal interest rate (NIR) of 22.20%. The AER will vary depending on whether or not the payment of the maintenance fee is taken into account and on the amount of credit on the card. Here are some different examples of the AER:
In all cases the amount of the monthly amortisation will not be, in any event, less than €20, therefore the minimum installment to be paid will be €20, plus the interest and fees that have been generated in the period.
(1) Concession subject to the bank's discretion. Maintenance fee in subsequent years: €39 per year.
(2) The Unidúo Mastercard is exempt from this fee if you are a holder of another Mastercard Debit, Mastercard Credit, Visa Electron or Visa Credit card. Or if you make more than €3,600 worth of purchases and/or mobile top-ups in a year (an average of €300 per month). Cancelled operations and returns do not count. Or if you are the holder of the Fee-Free Plan and you meet the established requirements.
AER: 0 % calculated if the requisites of Plan Zero are met (maintenance commission of € 0.00 per quarter).
AER: -1.00 % if the requisites of Plan Zero are not met (for a case of a constant average balance (1) per quarter of € 6,000 for a year, the maintenance commission of the account amounts to € 15.00 per quarter).
AER: -0.08 % if the requisites of Plan Zero are not met (for a case of constant average balance (1) per quarter of € 30,000 € for a year, the maintenance commission of the account amounts to € 6.00 per quarter).
(*) Average balance in Balances at Sight, Investment Funds, Pension Schemes, Saving Insurance, Fixed Term, Private Banking and Securities Portfolio you hold.
(3) The minimum amount of monthly capital to be repaid will be €20, therefore the minimum installment to be paid will be €20, plus interest and commissions that have been generated in the period.
(4) Collective policy contracted with Compañía Aseguradora Caja de Seguros Reunidos. Compañía de Seguros y Reaseguros S.A. CASER. through SEGURANDALUS MEDIACIÓN, CORREDURÍA DE SEGUROS, S.A. (Sole Administrator). Tax ID (CIF) A-48484232. General Directorate of Insurance code J-01215. Liability Insurance arranged. It has sufficient financial capacity in accordance with Law 26/2006. Free insurance applicable to Mastercard Credit and Visa Credit card. Collective policy renewable for calendar years at the discretion of the institution.
Comply with a series of requirements and make your card maintenance fee-free.
Activate your card or block it when you need to in our APP or through Digital Banking.
Both online and abroad, you can shop easily and securely with your Unicaja cards.
A credit card that makes your life easier and allows you greater flexibility in payment methods.see Mastercard Credit Card
You may use Unicaja ATMs to perform the most usual operations without having to enter the branch.see ATMs service
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